Paying for Insurance That I Did Not Sign for.

Ghosteye on 03/12/2016 - 19:41
Last edited 03/12/2016 - 19:56

Hey ozb,
Kinda need your advice on an issue.
Long story short, I am bound to a contract that I did not sign for, and I am extremely frustrated that I recieved coverage for something I didn't agree to.
When I contacted this insurance company about this, they told me that because my organisation contracted them to provide insurance to every employee. I had to sign an opt-out form if I did not want to recieve coverage.

Is there anything I can do (i.e small claims tribunal) to recover the money that was taken for the last 6 months?

For the record, this is a singaporean organization and I am temporarily here due to my PR status.
If you're wondering why I don't ask any singaporean forums or seek professional help, its because I'm kind of afraid of how they will treat me and disregard my case. Not saying it's a terrible place, but when you're part of something, but you're not one of them, you get treated like dirt and an inferior race.

If anyone wants a record of the emails sent between me and the representative or further details, drop me a pm.

Financial

Comments

  • Diji1 on 03/12/2016 - 20:01
    -3

    Racism.

  • bobbified on 03/12/2016 - 21:03

    Are you referring to the insurance attached to your superannuation fund account?

  • Donaldhump on 03/12/2016 - 21:04

    HOW much are we talking about

    • Ghosteye on 04/12/2016 - 12:06

      Talking about probably 1m coverage with about 200 monthly, and thing is i didnt even know i was covered until i received a lump sum bill of thr last 4 months

      • Donaldhump on 05/12/2016 - 06:43

        if you dont notice $200 going from your account every month, you probably don't need to come on ozbargain.

        you wont get your money back as you had coverage. Some countries prorably have opt in by default laws.

  • mbck on 03/12/2016 - 21:14
    +2

    If the insurance company has made a deal with your company, then the contract you signed with your company would have said this…and you signed it.

    Seeing It's an overseas company, a lawyer is the best person to speak to. If it was an australian company then you can go to the appropriate ombudsman.

    • apple2016 on 03/12/2016 - 21:51

      I once worked in a company that had this. But the insurance cost was subsidize by the company by more than 50% so no one complained.

      • Ghosteye on 04/12/2016 - 12:03

        My case is very similar to what apple2016 said, but now I am the only one who is complaining about being signed up for it.

        As for the contract, I went back and refered to the master contract and found a clause that said 'who have applied for cover under this policy' its interesting cause after I told them about how the contract between me and my employer said that I had to 'apply for' to be covered, not 'apply against' if i didnt want it.
        The representative just kept silent after that and just kept repeating 'no, we cant refund'

        • mbck on 04/12/2016 - 13:23

          Since you we're covered in the past, a better argument would be to reimburse you for the left over amount that you want to cancel.

          From the insurance company's perspective, it may be that you paid for the insurance, waited to see if you need it, then attempted to get your money back for that initial protection. Not saying that you are doing this, but it makes it more understandable as to why the company is saying no refunds.

          Using the above argument, however, might give you some money back.

  • PVA on 03/12/2016 - 22:16

    contact your employer.
    You would have signed up as part of your employment contract I am betting.
    And like they said, you had to opt out.

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